Unfortunately, it seems to be a simple matter of education; when folks truly understand the tremendous benefits, and relatively low risk, of participating, FSA's become more attractive.

But who, exactly, is going to provide that education?

And some critics (myself included) believe that the major problem with these "use it or lose it" arrangements is that they encourage more health care spending, which in turn drives up costs. Others (myself not included) complain that they "simply encourage overspending on discretionary medical care, at a cost to taxpayers."

Unfortunately, it seems to be a simple matter of education; when folks truly understand the tremendous benefits, and relatively low risk, of participating, FSA's become more attractive.

But who, exactly, is going to provide that education?

And some critics (myself included) believe that the major problem with these "use it or lose it" arrangements is that they encourage more health care spending, which in turn drives up costs. Others (myself not included) complain that they "simply encourage overspending on discretionary medical care, at a cost to taxpayers."